1*Promotional Period for Introductory Annual Percentage Rate (APR). The Introductory APR for balance transfers, cash advances and purchases will apply to transactions posted to your account within 180 days of account opening. The introductory rate will be applied to Visa Platinum and
Visa Platinum Rewards purchases, balance transfers and cash advances made during the first six billing cycles after Visa open date; any remaining balance
will begin to accrue interest at the variable rate (based on creditworthiness), which is subject to change. Payments will be applied as stated in your Visa Consumer Credit Card Agreement. Any existing
balances on current First Commonwealth Federal Credit Union loan and/or credit card accounts are not eligible for the introductory APR. Income verification required for credit lines of $10,000 and greater.↵

2APR=Annual Percentage Rate. All applicants applying for a Visa will be reviewed for creditworthiness. If approved, the type of card (Platinum, Platinum Rewards), rate and the credit line granted are subject to the credit union’s underwriting guidelines. VARIABLE RATE INFORMATION: Visa Platinum: The APR is equal to Prime Rate plus a margin of 3.74%, 6% or 10%, depending on creditworthiness, and will never be greater than 18%; Visa Platinum Rewards: The APR is equal to Prime Rate plus a margin of 5% and will never be greater than 18%.↵

APR denotes Annual Percentage Rate. All APR calculations on Home Equity Loans are based on a $20,000 loan amount. The rates for this loan type are based on an evaluation of applicant credit. Maximum LTV for loan amounts up to $150,00 is up to 90%. The Maximum LTV for any loan amounts over $150,00 and up to $500,000 is 80%.

APR denotes Annual Percentage Rate. The minimum interest rate for a Home Equity Line of Credit is the Prime Rate plus a margin with a minimum floor of 3.50% ARPR and a maximum ceiling of 15% APR. The rates for this loan type after the introductory period is variable and are based on the applicant’s credit score at time of application.

1This account has a draw period of 15 years, after which you will be required to repay any outstanding amount in one balloon payment. If only minimum payments are made, the loan balance will not decrease. Maximum loan amount $250,000.↵

Savings

The Boost Money Market Special account offers a fixed introductory rate of 2.28% APY during the first 12 statement cycles on balances of $50,000.00 to $100,000.00. Balances below $50,000.00 will receive a rate of 0%, balances above $100,000.00 will receive a rate of 0.37%, resulting in an APY that ranges from 2.28%-0.00% depending on the balance in the account. After dividends have been paid on the 12th month after the Boost Money Market Special was opened, the account will convert to an Elite Money Market account. The minimum balance required to open the Boost Money Market Special is $50,000.00 of which $25,000.00 must be New Money. New Money is defined as money that is not currently on deposit in any First Commonwealth FCU account. Limited time offer. Rates may change at any time. Fees may reduce earnings.

1APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate automatically renews to a 6-Month term at its current rate. Automatic recurring deposit of at least $50/month required. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone. IRA certificates not available. ↵

2APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate automatically renews to a 12-Month term at its current rate. Automatic recurring deposit of at least $50/month required. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone. IRA certificates not available. ↵

3APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate automatically renews to a 24-Month term at its current rate. Automatic recurring deposit of at least $50/month required. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone. IRA certificates not available. ↵

1APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate will renew automatically to a 6-Month term at its current rate. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone. ↵

2APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate will renew automatically to a 12-Month term at its current rate. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone. ↵

3APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate will renew automatically to a 24-Month term at its current rate. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone. ↵

1APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate will renew automatically to a 6-Month term at its current rate. One penalty free withdrawal permitted during initial term. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone. ↵

2APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate will renew automatically to a 12-Month term at its current rate. One penalty free withdrawal permitted during initial term. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone.↵

3APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate will renew automatically to a 24-Month term at its current rate. One penalty free withdrawal permitted during initial term. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone. ↵

1The dividend rate will be paid until the certificate matures. Upon maturity of the certificate, unless you contact us prior to maturity, the certificate will automatically renew to the original term and at the current rate in effect at the time of maturity. A penalty will be applied for early withdrawal. $500 minimum balance to open.↵

Dividend rates and APYs are variable and may change after the account is opened. Fees could reduce the earnings on the account. After 12 months, this account will roll over to a Business Money Market and follow the tier and rate structure for that account type. $10,000 new money minimum required to open.

1APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate will renew automatically to a 6-Month term at its current rate. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone. ↵

2APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate will renew automatically to a 12-Month term at its current rate. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone. ↵

3APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate will renew automatically to a 24-Month term at its current rate. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone. ↵

1APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate automatically renews to a 6-Month term at its current rate. Automatic recurring deposit of at least $50/month required. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone. IRA certificates not available. ↵

2APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate automatically renews to a 12-Month term at its current rate. Automatic recurring deposit of at least $50/month required. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone. IRA certificates not available. ↵

3APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate automatically renews to a 24-Month term at its current rate. Automatic recurring deposit of at least $50/month required. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone. IRA certificates not available. ↵

1APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate will renew automatically to a 6-Month term at its current rate. One penalty free withdrawal permitted during initial term. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone. ↵

2APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate will renew automatically to a 12-Month term at its current rate. One penalty free withdrawal permitted during initial term. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone.↵

3APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate will renew automatically to a 24-Month term at its current rate. One penalty free withdrawal permitted during initial term. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone. ↵

1The dividend rate will be paid until the certificate matures. Upon maturity of the certificate, unless you contact us prior to maturity, the certificate will automatically renew to the original term and at the current rate in effect at the time of maturity. A penalty will be applied for early withdrawal. $500 minimum balance to open.↵